Income Tax Calculator
Estimate your income tax by jurisdiction, tax year and filing status. Progressive brackets are applied band by band, so you see your true marginal and effective rates — never the top rate on all income.
Written and reviewed by the CalcBundle editorial team. Transparent formulas · results are estimates, not advice.
Estimated income tax
$0
Income taxest
$0
Effective rate
0.0%
Marginal rate
10.0%
After-tax income
$0
Income → taxable → tax
Based on United States (Federal) rules for tax year 2025.
This calculator provides an estimate based on the selected jurisdiction, tax year and information entered. Tax laws and individual circumstances can change the actual amount owed.
How income tax is calculated
Income tax in a progressive system is not a single rate on your whole income. Your income is divided into bands (brackets), and each band is taxed at its own rate. This calculator applies the selected jurisdiction and tax year's brackets to your taxable income.
Taxable income
- Total income = gross income + other taxable income
- Less pre-tax deductions (retirement, HSA, etc.)
- Less the standard deduction or your itemized deductions
- = taxable income, to which the brackets apply
Marginal vs effective tax rate
Your marginal rate is your highest bracket; your effective rate is total tax ÷ total income. Moving into a higher bracket only taxes the income above that threshold at the higher rate — not your entire income. See exactly how with the tax bracket calculator.
Tax credits
Deductions reduce taxable income; credits reduce the tax itself, dollar for dollar. Enter credits to see their effect. To estimate your paycheck after tax, use the take-home pay calculator.
Frequently asked questions
How is income tax calculated?
Taxable income is your total income minus pre-tax deductions and either the standard or itemized deduction. Progressive brackets are then applied to that taxable income — each band of income is taxed at its own rate, and tax credits reduce the result.
What is the difference between marginal and effective tax rate?
Your marginal rate is the rate on your last dollar of income (your top bracket). Your effective rate is total tax divided by total income — always lower, because only the income inside each bracket is taxed at that bracket's rate.
Which tax years and jurisdictions are supported?
This calculator currently uses US federal rules for tax years 2024 and 2025, from published IRS figures. Other jurisdictions show an unavailable message rather than an incorrect estimate until their rules are added.
Does this include state or local income tax?
No. It estimates US federal income tax only. State and local income taxes vary widely and are not included.
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See how progressive brackets apply to your taxable income, bracket by bracket.
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Self-Employment Tax
Estimate self-employment tax and income tax on your business profit.
Quarterly Tax
Estimate annual tax and a suggested quarterly estimated payment.
Disclaimer. This calculator provides estimates for informational purposes only. Results are based on the information you enter and the assumptions used by the calculator. Actual financial, tax, business valuation, lending, marketplace or investment outcomes may differ. Consider consulting a qualified professional for decisions involving significant amounts of money. This calculator provides an estimate based on the selected jurisdiction, tax year and information entered. Tax laws and individual circumstances can change the actual amount owed. It is not tax advice.